CN110390589A - Processing method, device, system, electronic equipment and the storage medium of remittance data - Google Patents

Processing method, device, system, electronic equipment and the storage medium of remittance data Download PDF

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Publication number
CN110390589A
CN110390589A CN201910680537.XA CN201910680537A CN110390589A CN 110390589 A CN110390589 A CN 110390589A CN 201910680537 A CN201910680537 A CN 201910680537A CN 110390589 A CN110390589 A CN 110390589A
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remittance
instruction
parameter
data
message
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魏晴
胡凯乐
邢培康
陈磊
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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Abstract

The invention discloses a kind of processing method of remittance data, device, system, electronic equipment and storage mediums, wherein remittance data processing method includes: to receive the money order data from client, carries out legitimate verification to money order data;It is legal in response to money order data, obtain the instruction standard parameter and instruction variance parameter in money order data, and remittance message is generated, it includes at least one following for instructing standard parameter: remittance party information, remittance amount information, data receiver information, information of carrying interest of remitting money;It is matched according to instruction standard parameter and instruction variance parameter with preconfigured operation processing rule, generates remittance control instruction, remittance control instruction is used to indicate the job processing information of remittance message;Remittance message is sent to clearance docking server according to remittance control instruction.By the invention it is possible to realize it is more area, by all kinds of means, the inter-bank of multi-service flow remittance operation, the remittance experience sense of user can be improved.

Description

Processing method, device, system, electronic equipment and the storage medium of remittance data
Technical field
The present invention relates to field of information processing, and in particular to a kind of processing method of remittance data, device, system, electronics Equipment and storage medium.
Background technique
During promoting service of the bank core product local inter-bank money transfer transactions in country variant overseas and area, meeting The problem of facing the different clearing organizations of access or Settlement Network Problem by Using, different business operating process and different regulatory requirements.For example, Certain areas self-service channel inter-bank money transfer transactions need support 7 × 24 hours persistent services, need not move through review operation Complete real-time inter-bank remittance, and certain areas or channel then need that fund could be completed by the sequence of operations such as handling-checking Remittance abroad.Also, difference is also likely to be present for the operation of client and bank clearing fund, while also needing to consider whether to be easy to It supports to access new clearing organization.
Currently, for local inter-bank money transfer transactions, not yet exist it is a kind of can support simultaneously more areas, by all kinds of means, it is more The funds transfer system of operation flow, so that user experience is lower.
Summary of the invention
In view of this, processing method, device, system, electronic equipment and storage that the present invention provides a kind of remittance data are situated between Matter, to solve the problems, such as at least one above-mentioned referred to.
According to the first aspect of the invention, a kind of processing method of remittance data is provided, which comprises reception comes from The money order data of client carry out legitimate verification to the money order data;It is closed in response to the money order data Method obtains instruction standard parameter and instruction variance parameter in the money order data, and according to described instruction standard parameter Generate remittance message with instruction variance parameter, described instruction standard parameter includes at least one following: remittance party information is converged Money amount information, data receiver information, information of carrying interest of remitting money;According to described instruction standard parameter and instruction variance parameter and in advance The operation processing rule of configuration is matched, and generates remittance control instruction, the remittance control instruction is used to indicate the remittance The job processing information of message;The remittance message is sent to clearance docking server according to the remittance control instruction, with Toilet states clearance docking server and the remittance message is sent to Settlement Network Problem by Using server.
According to the second aspect of the invention, a kind of processing unit of remittance data is provided, described device includes: data receiver Unit, for receiving the money order data from client;Data verification units, for being closed to the money order data Method verifying;Order parameter acquiring unit, it is legal in response to the money order data to be used for, and obtains the money order data In instruction standard parameter and instruction variance parameter, described instruction standard parameter includes at least one following: remittance participant letter Breath, remittance amount information, data receiver information, information of carrying interest of remitting money;Message generation unit, for being joined according to described instruction standard Several and instruction variance parameter generates remittance message;Control instruction generation unit, for according to described instruction standard parameter and instruction Difference parameter is matched with preconfigured operation processing rule, generates remittance control instruction, and the remittance control instruction is used In the job processing information for indicating the remittance message;Packet sending unit, being used for will be described according to the remittance control instruction Remittance message is sent to clearance docking server, so that the remittance message is sent to clearance net by clearance docking server Network server.
According to the third aspect of the invention we, a kind of processing system of remittance data is provided, the system comprises clearances to dock The processing unit of server and above-mentioned remittance data, the clearance docking server includes: message receiving unit, is used for Receive remittance message from the remittance data processing unit and from the remittance feedback command of Settlement Network Problem by Using server; Message retransmission unit, for received remittance message to be forwarded to the Settlement Network Problem by Using server and forwarding from described The remittance feedback command of Settlement Network Problem by Using server is to the remittance data processing unit.
According to the fourth aspect of the invention, a kind of electronic equipment is provided, including memory, processor and is stored in memory Computer program that is upper and can running on a processor, the processor realize above-mentioned remittance data processing when executing described program The step of method.
According to the fifth aspect of the invention, the present invention provides a kind of computer readable storage medium, is stored thereon with calculating The step of machine program, which realizes above-mentioned remittance data processing method when being executed by processor.
As shown from the above technical solution, it after by carrying out legitimate verification to the client's money order data received, obtains The instruction standard parameter and instruction variance parameter in the money order data are taken, and generates remittance message according to these parameters, with And it is matched according to these parameters with preconfigured operation processing rule to generate and be used to indicate the remittance message operation The remittance control instruction of information is handled, remittance message is sent to by clearance docking server according to the control instruction later, so that Remittance message is forwarded to Settlement Network Problem by Using server by clearance docking server, carries out remittance operation.It is provided in an embodiment of the present invention Remittance data processing scheme, can be used for it is more area, by all kinds of means, the local inter-bank of multi-service flow remittance process, pass through the party The remittance experience sense of user can be improved in case.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is the present invention Some embodiments for those of ordinary skill in the art without creative efforts, can also basis These attached drawings obtain other attached drawings.
Fig. 1 is the flow chart of the processing method of remittance data according to an embodiment of the present invention;
Fig. 2 is the structural block diagram of remittance data processing system according to an embodiment of the present invention;
Fig. 3 is the structural block diagram of remittance data processing unit 21 according to an embodiment of the present invention;
Fig. 4 is the structural block diagram of data verification units 211 according to an embodiment of the present invention;
Fig. 5 is the structural block diagram of control instruction generation unit 215 according to an embodiment of the present invention;
Fig. 6 is the detailed block diagram of remittance data processing unit 21 according to an embodiment of the present invention;
Fig. 7 is the structural block diagram of clearance docking server 22 according to an embodiment of the present invention;
Fig. 8 is the example block diagram of remittance data processing system according to an embodiment of the present invention;
Fig. 9 is the structural block diagram of money transfer transactions process parsing module 6 according to an embodiment of the present invention.
Figure 10 is the schematic diagram of electronic equipment according to an embodiment of the present invention.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention In attached drawing, the technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art Every other embodiment obtained without creative efforts, shall fall within the protection scope of the present invention.
During promoting service of the bank core product local inter-bank money transfer transactions in country variant overseas and area, such as Under the premise of where simplifying bank transfer system, realize set of system support simultaneously more areas, by all kinds of means, the sheet of multi-service flow Ground inter-bank remittance, and it is easy to the popularization of new regional inter-bank money transfer transactions, it is that current each overseas institution, bank passes through local clearance Tissue promotes one of the difficulty that local inter-bank money transfer transactions are faced.
Based on this, the embodiment of the present invention provides a kind of processing method of remittance data, and Fig. 1 is the flow chart of this method, such as Shown in Fig. 1, this method comprises:
Step 101, the money order data from client are received, legitimate verification is carried out to the money order data;
Step 102, legal in response to the money order data, obtain the instruction standard ginseng in the money order data Several and instruction variance parameter, and remittance message, described instruction mark are generated according to described instruction standard parameter and instruction variance parameter Quasi- parameter includes at least one following: remittance party information, remittance amount information, data receiver information are (for example, carry out automatic network Bank, Mobile banking, self-service ATM machine), remittance carry interest information (for example, value date);
Step 103, according to described instruction standard parameter and instruction variance parameter and preconfigured operation processing rule into Row matching, generates remittance control instruction, and the remittance control instruction is used to indicate the job processing information of the remittance message;
Step 104, the remittance message is sent to by clearance docking server according to the remittance control instruction, with toilet It states clearance docking server and the remittance message is sent to Settlement Network Problem by Using server.
After carrying out legitimate verification to the client's money order data received, obtain in the money order data Standard parameter and instruction variance parameter are instructed, and generates remittance message according to these parameters, and according to these parameters and in advance The operation processing rule of configuration is matched to be referred to the remittance control that generation is used to indicate the remittance message job processing information It enables, remittance message is sent to by clearance docking server according to the control instruction later, so that clearance docking server will remit money Message is forwarded to Settlement Network Problem by Using server, carries out remittance operation.Remittance data processing scheme provided in an embodiment of the present invention, can be with For more areas, by all kinds of means, the local inter-bank of multi-service flow remittance process the remittance of user can be improved with this solution Experience sense.
In a step 101, carrying out legitimate verification to the money order data includes: (1) to the money order The carry out receipt source legitimate verification of data, the receipt source can be the Internet bank, Mobile banking, ATM (ATM) or staff inputs;(2) to the carry out work data legitimate verification of the money order data, the operation Data include remittance party information and/or remittance amount information etc..
In a step 102, it generates remittance message according to described instruction standard parameter and instruction variance parameter to specifically include: root Remittance message is generated with predetermined message model according to described instruction standard parameter and instruction variance parameter, wherein the predetermined message Model and described instruction difference parameter have corresponding relationship.
Here instruction standard parameter may include: current transaction area, site, date, channel, operation teller, operation Serial number, sender information, receiver information, money transfer amount, remittance value date, remark information etc..The main body of instruction variance parameter It is now the instruction characteristic parameter of each department, it is related to local message model and remittance process.
In actual operation, preconfigured operation processing rule may include: regional information, data upload source (example Such as, the channels such as Web bank, Mobile banking), instruction processing movement (for example, instruction typing, instruction review), operation current state (initial, review), CC condition code (or referred to as operation code, information, customer account handle information for example, the same day carries interest) etc.. By being available for instruction remittance message operation for the matching of money order data and preconfigured operation processing rule Handle the remittance control instruction of information.
Specifically, according in money order data instruction standard parameter and instruction variance parameter first identify with condition generation The corresponding instruction features parameter of code, the instruction features parameter include parameter by described instruction standard parameter and instruction variance parameter One or more of;Described instruction characteristic parameter is converted to and corresponding item in preconfigured operation processing rule later Part code, later according to according to described instruction standard parameter, instruction variance parameter and CC condition code with it is described preconfigured Operation processing rule is matched, and remittance control instruction is generated, according to the operation of the remittance message of remittance control instruction instruction Processing information carries out remittance Job Operations.
In actual operation, remittance control instruction is also used to indicate the job status information of the remittance message, therefore, root The corresponding remittance job status information of the money order data can also be updated according to the remittance control instruction.Remittance operation shape Whether state information includes: whether to have executed typing, checks, client's accounting processing mark etc..
After step 104, the remittance feedback command from the clearance docking server forwarding can be also received, it is described Feedback command remit money from the Settlement Network Problem by Using server.It can continue to update the remittance according to the remittance feedback command Job status information.
As seen from the above description, rule is handled by preconfigured operation and generates remittance control instruction, and according to remittance The spirit of each department, each channel money transfer transactions process may be implemented through the embodiment of the present invention to complete remittance operation in control instruction Configuration living, can support more areas, by all kinds of means, the remittance scheme of multi-service flow, improve the remittance experience sense of user.
The embodiment of the present invention also provides a kind of processing system of remittance data, and Fig. 2 is the structural block diagram of the system, such as Fig. 2 Shown, which includes: remittance data processing unit 21 and clearance docking server 22, clearance docking server 22 and local clear Calculate network server connection.Preferably, remittance data processing unit 21 is for realizing the method in above method embodiment.
Fig. 3 is the structural block diagram of remittance data processing unit 21, as shown in figure 3, the remittance data processing unit 21 includes: Data receipt unit 211, data verification units 212, order parameter acquiring unit 213, message generation unit 214, control instruction Generation unit 215 and packet sending unit 216, in which:
Data receipt unit 211, for receiving the money order data from client;
Data verification units 212, for carrying out legitimate verification to the money order data;
Order parameter acquiring unit 213, it is legal in response to the money order data to be used for, and obtains the money order number Instruction standard parameter and instruction variance parameter in, described instruction standard parameter include at least one following: remittance participant Information, remittance amount information, data receiver information, information of carrying interest of remitting money;
Message generation unit 214, for generating remittance message according to described instruction standard parameter and instruction variance parameter;
Control instruction generation unit 215, for according to described instruction standard parameter and instruction variance parameter be pre-configured with Operation processing rule matched, generate remittance control instruction, the remittance control instruction is used to indicate the remittance message Job processing information;
Packet sending unit 216, for the remittance message to be sent to clearance docking according to the remittance control instruction Server, so that the remittance message is sent to Settlement Network Problem by Using server by clearance docking server.
It is legal to be carried out by data verification units 212 to client's money order data that data receipt unit 211 receives Property verifying after, order parameter acquiring unit 213 obtain the money order data in instruction standard parameter and instruction variance parameter, Message generation unit 214 generates remittance message according to these parameters, and control instruction generation unit 215 is according to these parameters and in advance The operation processing rule of configuration is matched to be referred to the remittance control that generation is used to indicate the remittance message job processing information It enables, remittance message is sent to clearance docking server 22 according to the control instruction by packet sending unit 216 later, so that clearance Remittance message is forwarded to Settlement Network Problem by Using server by docking server 22, carries out remittance operation.Remittance provided in an embodiment of the present invention Money data processing scheme, can be used for it is more area, by all kinds of means, the local inter-bank of multi-service flow remittance process, with this solution, The remittance experience sense of user can be improved.
Specifically, as shown in figure 4, data verification units 211 include: that data origin authentication module 2111 and work data are tested Demonstrate,prove module 2112, in which:
Data origin authentication module 2111, for the carry out receipt source legitimate verification to the money order data, The receipt source can be the Internet bank, Mobile banking, ATM (ATM) or staff's input;
Work data authentication module 2112, for the carry out work data legitimate verification to the money order data, The work data includes remittance party information and/or remittance amount information.
In actual operation, message generation unit 214 is according to described instruction standard parameter and instruction variance parameter with predetermined Message model generates remittance message, wherein the predetermined message model and described instruction difference parameter have corresponding relationship.Here Instruction variance parameter is mainly reflected in the instruction characteristic parameter of each department, related to local message model and remittance process.
As shown in figure 5, control instruction generation unit 215 includes: that characteristic parameter identification module 2151 and control instruction generate Module 2152, in which:
Characteristic parameter identification module 2151, for special according to described instruction standard parameter and the identification instruction of instruction variance parameter Parameter is levied, described instruction characteristic parameter is by one or more that described instruction standard parameter and instruction variance parameter include in parameter It is a;Here instruction features parameter and the CC condition code (or being operation code) in preconfigured operation processing rule are right It answers.
Control instruction generation module 2152, for special according to described instruction standard parameter, instruction variance parameter and instruction Sign parameter is matched with the preconfigured operation processing rule, generates remittance control instruction.
Preferably, as shown in fig. 6, above-mentioned apparatus can also include: converting unit 217, for being pre-configured with according to Operation processing rule described instruction characteristic parameter is converted into corresponding operation code, the preconfigured operation processing rule It then include the operation code for being used to indicate described instruction characteristic parameter.
Since preconfigured operation processing rule includes CC condition code, thus can be by converting unit 217 by feature The instruction features Parameter Switch that parameter identification module 2151 identifies is corresponding CC condition code, thus control instruction generation module 2152 can handle rule according to instruction standard parameter, instruction variance parameter and CC condition code and the preconfigured operation It is matched, generates remittance control instruction.
Referring to Fig. 6, above-mentioned apparatus further include: updating unit 218 and feedback command receiving unit 219, in which:
Updating unit 218 is made for updating the corresponding remittance of the money order data according to the remittance control instruction Industry status information, wherein the remittance control instruction is also used to indicate the job status information of the remittance message.
Feedback command receiving unit 219, it is described for receiving the remittance feedback command from the clearance docking server Feedback command remit money from the Settlement Network Problem by Using server.
After feedback command receiving unit 219 receives remittance feedback command, updating unit 218 can also be according to Feedback command of remitting money updates the remittance job status information.
Fig. 7 is the structural block diagram of clearance docking server 22, as shown in fig. 7, clearance docking server 22 includes: message Receiving unit 221 and message retransmission unit 222, in which:
Message receiving unit 221, for receiving the remittance message from the remittance data processing unit and coming from clear Calculate the remittance feedback command of network server;
Message retransmission unit 222, for received remittance message to be forwarded to the Settlement Network Problem by Using server and forwarding Remittance feedback command from the Settlement Network Problem by Using server is to the remittance data processing unit.
An example is given below in embodiment for a better understanding of the present invention.In this example, remittance Working mechanism After (for example, bank) receives the money transfer request of client, request data is checked first, then registers money order and remittance Money message can also carry out manual review to money order in actual operation.For self-service channel (such as Web bank, mobile phone Bank etc.), client initiates money transfer request, systems inspection money transfer request data, generally can be direct if meeting direct remittance abroad rule Remittance client's accounting processing, position clearance are carried out, and sends remittance message to local clearing organization;If being unsatisfactory for direct remittance abroad Rule then needs just to can be carried out remittance abroad after carrying out manual review.For non-self-service channel (for example, manually being grasped by staff Make), need staff to audit money transfer request and the typing client's money order of client, by completing remittance abroad behaviour after manual examination and verification Make.System identifies present instruction state in which by message status (to be logged, to be modified, wait check, sent), with This identifies subsequent process steps.Due to demand and regulatory requirements difference, there is some difference for the money transfer transactions process of each department, It is mainly reflected in whether each channel remittance abroad message needs to operate by manual review, it is first-class to the processing of guest account business.
Fig. 8 is the example block diagram of remittance data processing system according to an embodiment of the present invention, as shown in figure 8, the system packet It includes: remittance gas producing formation 1 and remittance clearance layer 2.Remittance gas producing formation 1 is mainly responsible for docking client and channel, completes remittance product school It tests, instruct registration and state to update, gas producing formation accounting processing, and transmit message data with remittance clearance layer 2.Wherein, it remits money Gas producing formation 1 includes channel AM access module 3, money order business datum correction verification module 4, clearance message processing module (MPM) 5, money transfer transactions Process parsing module 6, product accounting processing module 7, clearance message sending module 8, money order update module 9, clearance message Receiving module 12.Remittance clearance layer 2 includes that remittance clears module 10, the same trade clears preposition module 11.
The connection of above-mentioned each module is as follows: in remittance gas producing formation, channel AM access module 3 and money order business number It is connected according to correction verification module 4, money order business datum correction verification module 4 is connected with clearance message processing module (MPM) 5, clears message Processing module 5 is connected with money transfer transactions process parsing module 6, money transfer transactions process parsing module 6 and gas producing formation accounting processing Module 7, clearance message sending module 8 are connected, gas producing formation accounting processing module 7, clearance message sending module 8 and money order Update module 9 is connected.In remittance clearance layer, remittance clearance module 10 clears preposition module 11 with the same trade and is connected, the same trade Preposition module 11 is cleared to be responsible for docking local Central Bank or clearing organization.Gas producing formation 1 of remitting money clears layer 2 with remittance and passes through clearance message Sending module 8 and clearance message receiving module 12 are connected to the remittance clearance module 10 of clearance layer or the same trade clears preposition module 11。
Embodiment for a better understanding of the present invention, above-mentioned each module described in detail below.
Channel AM access module 3 is responsible for docking with each self-service and non-self-service channel, realizes that channel connects according to controlling channel parameter Enter data validation verification;Money order business datum correction verification module 4 is to the remittance product and money order element sent on channel The legitimacy verifies of (can be remittance specifying information) participate in the inspection of mechanism, remittance product limit etc. including remittance;Clearance report Literary processing module 5, which is realized, generates gas producing formation exclusive command serial number, extracts money order standard parameter and remittance in business datum Instruction variance parameter completes the registration of remittance message structureization and storage to each department remittance message unified Modeling.Money transfer transactions stream Journey parsing module 6 is the core hinge of gas producing formation, the main parsing and matching for completing money transfer transactions process configuration parameter, according to ground Remittance product job processing flow data are flexibly matched in the dimensions such as area, channel, currency type, and introduce CC condition code, and matching is corresponding Operation flow parameter, dynamic implement message status judges automatically, obtains remittance job processing flow, output operation process automatically Parameter analysis of electrochemical is as a result, be used to instruct the execution of follow-up business processing step.Product accounting processing module 7 and clearance message send mould Block 8 realizes gas producing formation accounting processing according to the output result of money transfer transactions process parsing module 6 and remittance message is sent to this Ground inter-bank remittance clearance layer 2.Money order update module 9 is believed according to the state of 6 dynamical output of money transfer transactions process parsing module Breath updates current money order.Message receiving module 12 is cleared to be used to receive in importing process from local inter-bank remittance clearance The remittance message that layer 2 passes down parses and extracts the money order parameter in remittance message, completes remittance message structureization and stores, Gas producing formation money order is generated, and subsequent operation is carried out according to instruction work data inspection result.
Fig. 9 is the structural block diagram of above-mentioned money transfer transactions process parsing module 6, as shown in figure 9, will be according to money order business Input content of the money transfer transactions parameter 61 that data extract as operation flow parsing module 6 comprising money order standard Parameter and money order difference parameter.Money order standard parameter includes transaction criteria information (current transaction area, site, day Phase, channel, operation teller, operation serial number etc.) and money order standard parameter (sender information, receiver information, remittance The amount of money, remittance value date, remark information etc.).Money order difference parameter is the characteristic parameter that each department are remitted money in message, and is worked as Ground remittance message structure is related to remittance process.Money transfer transactions feature recognition module 62 is according to the money transfer transactions pre-established (being referred to as operation) flow rules identify transaction feature from current money transfer transactions service parameter, are converted into tool Concrete conditions in the establishment of a specific crime code is then transferred to money transfer transactions flow engine 63.Money transfer transactions flow engine 63 is advised by money transfer transactions process Current locale, current canal are retrieved according to money order standard parameter in money transfer transactions process parameter processing module 64 in then library 66 The money transfer transactions process primitive rule that road is configured, according to money order parameter and remittance in money transfer transactions rule match module 65 The CC condition code that money service feature identification module 62 exports, the characteristic service stream in Dynamic Matching money transfer transactions flow rules library 66 Process control rule obtains message transmitting state, accounting processing rule and the Message processing rule under conditions present, is formed final Money transfer transactions Row control rule 67.
Above-mentioned money transfer transactions flow rules library 66 stores pre-configured operation flow rule, and every rule is configured with Certain local remittance message (or be known as clearance message) of current locale, the operation for some channel, when meeting a certain processing The next step mode of operation that can be carried out when state and condition, and mark is controlled to the accounting processing of capital and expense.One Operation flow rule can support 3 groups of CC condition codes, i.e., rule that is configurable while meeting 3 groups of features supports default rule, can Set different priorities.For example, client initiates money transfer request by Web bank's self-service channel according to somewhere business demand, Instruction needs all by manual review, if the same day carries interest, completes client's accounting processing after instruction is submitted;From the non-same day Breath will then complete accounting processing after manual review passes through, message is sent and position clearance.Specifically, the business of this area is defined Flow rules can be such that
1, (the current position area code zoneno=area code, channel type channelType=Web bank, instruction processing it is dynamic Make action=instruction typing, current state curStatus=is initial, the condition generation that the CC condition code cond1=non-same day carries interest Code) -> (instructing next processing status nextStatus=to wait checking, client's accounting processing mark=do not handle)
2, (the current position area code zoneno=area code, channel type channelType=Web bank, instruction processing it is dynamic Make action=instruction typing, current state curStatus=is initial, the condition generation that the CC condition code cond1=same day carries interest Code) -> (instructing next processing status nextStatus=to wait checking, client's accounting processing mark=processing customer account)
3, (the current position area code zoneno=area code, channel type channelType=Web bank, instruction processing it is dynamic Make action=instruction review, current state curStatus=waits checking, the untreated customer account of CC condition code cond1=) -> (instructing next processing status nextStatus=message to send, client's accounting processing mark=processing customer account)
4, (the current position area code zoneno=area code, channel type channelType=Web bank, instruction processing it is dynamic Make action=instruction review, current state curStatus=waits checking, the processed customer account of CC condition code cond1=) -> (instructing next processing status nextStatus=message to send, client's accounting processing mark=nothing)
Above-mentioned rule is stored in advance in money transfer transactions flow rules library 6.Money transfer transactions feature recognition module 2 is according to reality On the money order standard parameter " value date " sent identify present instruction feature: whether be to carry interest on the same day, by corresponding condition Code and other money transfer transactions parameters are sent into money transfer transactions flow engine 3.Money transfer transactions flow engine 3 is advised from money transfer transactions process Predefined rule then is retrieved in library 6, and matches and meets corresponding rule, and exports final matching result i.e. money transfer transactions Row control rule 7.
With continued reference to Fig. 8, remittance clearance layer 2 is mainly responsible for be cleared with the position of Central Bank, and the docking with clearing organization. It transmits messages for remittance, after clearance layer receives the remittance clearance message sent on gas producing formation, checks Central Bank's excess reserve account and fund Situation is completed position and is alloted to Central Bank's excess reserve account, and forwards remittance message to local Settlement Network Problem by Using;It receives telegraph for remittance, It clears layer and receives the remittance message from local Central Bank or Settlement Network Problem by Using, then forward the message to remittance if you need to be sorted to gas producing formation Gas producing formation 1, and complete Central Bank's position and allot.
Figure 10 is the schematic diagram of electronic equipment according to an embodiment of the present invention.Electronic equipment shown in Fig. 10 is general data Processing unit comprising general computer hardware structure includes at least processor 1001 and memory 1002.Processor 1001 and memory 1002 connected by bus 1003.Memory 1002 is suitable for one or more that storage processor 1001 can be performed Item instruction or program.One or more instruction or program are executed by processor 1001 to realize above-mentioned remittance data processing method In step.
Above-mentioned processor 1001 can be independent microprocessor, be also possible to one or more microprocessor set. The order that processor 1001 is stored by executing memory 1002 as a result, thereby executing embodiment present invention as described above Method flow realize the processing for data and the control for other devices.Above-mentioned multiple components are connected to by bus 1003 Together, while by said modules display controller 1004 and display device and input/output (I/O) device 1005 are connected to. It is defeated that input/output (I/O) device 1005 can be mouse, keyboard, modem, network interface, touch-control input device, body-sensing Enter device, printer and other devices well known in the art.Typically, input/output (I/O) device 1005 by input/ Output (I/O) controller 1006 is connected with system.
Wherein, memory 1002 can store component software, such as operating system, communication module, interactive module and answer Use program.Above-described each module and application program both correspond to complete one or more functions and in inventive embodiments One group of executable program instructions of the method for description.
The embodiment of the present invention also provides a kind of computer readable storage medium, is stored thereon with computer program, the calculating The step of when machine program is executed by processor to realize above-mentioned remittance data processing method.
In conclusion the embodiment of the present invention realizes a set of under the premise of to solve to simplify local inter-bank funds transfer system System can support that, in how regional, lower operation by all kinds of means, the support that the embodiment of the present invention proposes converges each department, each channel simultaneously Money operation flow carries out the local inter-bank money transfer transactions scheme of flexible configuration and extension, passes through configuration service process solution in systems Module is analysed, and introduces money transfer transactions flow rules, corresponding rule model is established according to area remittance featured function demand, it will Money transfer transactions dynamic state of parameters matches corresponding money transfer transactions Row control rule, and Lai Shixian business operation process flow is determined System, achieve the purpose that system simplify and support it is more regional, by all kinds of means, multi-service flow, improve the steady of banking system Qualitative and scalability.The advantages of embodiment of the present invention, is as follows:
(1) support set of system that in how regional, lower operation by all kinds of means, multiple local clearing organizations, each canal can be docked simultaneously Road process is not interfere with each other.
(2) local inter-bank money transfer transactions processing rule should be readily appreciated that and extend, can customized processing it is regular, can be quick Customize and promote new money transfer transactions process.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for hardware+ For program class embodiment, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to side The part of method embodiment illustrates.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can With or may be advantageous.
Although this application provides the method operating procedure as described in embodiment or flow chart, based on conventional or noninvasive The labour for the property made may include more or less operating procedure.The step of enumerating in embodiment sequence is only numerous steps One of execution sequence mode, does not represent and unique executes sequence.It, can when device or client production in practice executes To execute or parallel execute (such as at parallel processor or multithreading according to embodiment or method shown in the drawings sequence The environment of reason).
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, vehicle-mounted human-computer interaction device, cellular phone, camera phone, smart phone, individual Digital assistants, media player, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or The combination of any equipment in these equipment of person.
The terms "include", "comprise" or its any other variant in this specification embodiment are intended to nonexcludability Include so that include a series of elements process, method, product or equipment not only include those elements, but also Including other elements that are not explicitly listed, or further include for this process, method, product or equipment intrinsic want Element.In the absence of more restrictions, being not precluded in process, method, product or the equipment for including the element also There are other identical or equivalent elements.
For convenience of description, it is divided into various modules when description apparatus above with function to describe respectively.Certainly, implementing this The function of each module can be realized in the same or multiple software and or hardware when specification embodiment, it can also be by reality Show the module of same function by the combination realization etc. of multiple submodule or subelement.Installation practice described above is only Schematically, for example, the division of the unit, only a kind of logical function partition, can there is other draw in actual implementation The mode of dividing, such as multiple units or components can be combined or can be integrated into another system, or some features can be ignored, Or it does not execute.Another point, shown or discussed mutual coupling, direct-coupling or communication connection can be by one The indirect coupling or communication connection of a little interfaces, device or unit can be electrical property, mechanical or other forms.
It is also known in the art that other than realizing controller in a manner of pure computer readable program code, it is complete Entirely can by by method and step carry out programming in logic come so that controller with logic gate, switch, specific integrated circuit, programmable Logic controller realizes identical function with the form for being embedded in microcontroller etc..Therefore this controller is considered one kind Hardware component, and the structure that the device for realizing various functions that its inside includes can also be considered as in hardware component.Or Person even, can will be considered as realizing the device of various functions either the software module of implementation method can be hardware again Structure in component.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It will be understood by those skilled in the art that the embodiment of this specification can provide as the production of method, system or computer program Product.Therefore, in terms of this specification embodiment can be used complete hardware embodiment, complete software embodiment or combine software and hardware Embodiment form.Moreover, it wherein includes computer available programs that this specification embodiment, which can be used in one or more, Implement in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of code The form of computer program product.
This specification embodiment can describe in the general context of computer-executable instructions executed by a computer, Such as program module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, journey Sequence, object, component, data structure etc..This specification embodiment can also be practiced in a distributed computing environment, in these points Cloth calculates in environment, by executing task by the connected remote processing devices of communication network.In distributed computing ring In border, program module can be located in the local and remote computer storage media including storage equipment.
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example Point is contained at least one embodiment or example of this specification embodiment.In the present specification, to the signal of above-mentioned term Property statement be necessarily directed to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described It may be combined in any suitable manner in any one or more of the embodiments or examples.In addition, without conflicting with each other, this The technical staff in field can be by the spy of different embodiments or examples described in this specification and different embodiments or examples Sign is combined.
The foregoing is merely the embodiments of this specification embodiment, are not limited to this specification embodiment.It is right For those skilled in the art, this specification embodiment can have various modifications and variations.It is all in this specification embodiment Any modification, equivalent replacement, improvement and so within spirit and principle, the right that should be included in this specification embodiment are wanted Within the scope of asking.

Claims (17)

1. a kind of processing method of remittance data, which is characterized in that the described method includes:
The money order data from client are received, legitimate verification is carried out to the money order data;
It is legal in response to the money order data, obtain instruction standard parameter and instruction variance in the money order data Parameter, and remittance message is generated according to described instruction standard parameter and instruction variance parameter, described instruction standard parameter includes such as It is at least one lower: remittance party information, remittance amount information, data receiver information, information of carrying interest of remitting money;
It is matched according to described instruction standard parameter and instruction variance parameter with preconfigured operation processing rule, generates and converge Money control instruction, the remittance control instruction are used to indicate the job processing information of the remittance message;
The remittance message is sent to clearance docking server according to the remittance control instruction, is taken so that the clearance docks The remittance message is sent to Settlement Network Problem by Using server by business device.
2. the processing method of remittance data according to claim 1, which is characterized in that according to described instruction standard parameter and Instruction variance parameter match with preconfigured operation processing rule
Instruction features parameter is identified according to described instruction standard parameter and instruction variance parameter, and described instruction characteristic parameter is described Instruct one or more of standard parameter and the included parameter of instruction variance parameter;
It is handled according to described instruction standard parameter, instruction variance parameter and instruction features parameter and the preconfigured operation Rule is matched.
3. the processing method of remittance data according to claim 2, which is characterized in that the preconfigured operation processing Rule includes the operation code for being used to indicate described instruction characteristic parameter, the method also includes:
Described instruction characteristic parameter is converted into corresponding operation code.
4. the processing method of remittance data according to claim 1, which is characterized in that the remittance control instruction is also used to The job status information for indicating the remittance message, the method also includes:
The corresponding remittance job status information of the money order data is updated according to the remittance control instruction.
5. the processing method of remittance data according to claim 4, which is characterized in that the method also includes:
The remittance feedback command from the clearance docking server is received, the remittance feedback command is from the clearance net Network server;
The remittance job status information is updated according to the remittance feedback command.
6. the processing method of remittance data according to claim 1, which is characterized in that carried out to the money order data Legitimate verification includes:
To the carry out receipt source legitimate verification of the money order data, the receipt source includes at least one following: The Internet bank, Mobile banking, ATM ATM;
To the carry out work data legitimate verification of the money order data, the work data includes remittance party information And/or remittance amount information.
7. the processing method of remittance data according to claim 1, which is characterized in that according to described instruction standard parameter and Instruction variance parameter generates remittance message
Remittance message is generated with predetermined message model according to described instruction standard parameter and instruction variance parameter, wherein described pre- Determining message model and described instruction difference parameter has corresponding relationship.
8. a kind of processing unit of remittance data, which is characterized in that described device includes:
Data receipt unit, for receiving the money order data from client;
Data verification units, for carrying out legitimate verification to the money order data;
Order parameter acquiring unit, it is legal in response to the money order data to be used for, and obtains in the money order data Instruct standard parameter and instruction variance parameter, described instruction standard parameter includes at least one following: remittance party information is converged Money amount information, data receiver information, information of carrying interest of remitting money;
Message generation unit, for generating remittance message according to described instruction standard parameter and instruction variance parameter;
Control instruction generation unit, at according to described instruction standard parameter and instruction variance parameter and preconfigured operation Reason rule is matched, and remittance control instruction is generated, and the remittance control instruction is used to indicate at the operation of the remittance message Manage information;
Packet sending unit, for the remittance message to be sent to clearance docking server according to the remittance control instruction, So that the remittance message is sent to Settlement Network Problem by Using server by clearance docking server.
9. the processing unit of remittance data according to claim 8, which is characterized in that the control instruction generation unit packet It includes:
Characteristic parameter identification module, for identifying instruction features parameter according to described instruction standard parameter and instruction variance parameter, Described instruction characteristic parameter includes one or more of parameter by described instruction standard parameter and instruction variance parameter;
Control instruction generation module, for according to described instruction standard parameter, instruction variance parameter and instruction features parameter with The preconfigured operation processing rule is matched, and remittance control instruction is generated.
10. the processing unit of remittance data according to claim 9, which is characterized in that described device further include:
Converting unit, for being converted to described instruction characteristic parameter accordingly according to the preconfigured operation processing rule Operation code, the preconfigured operation processing rule includes the operation code for being used to indicate described instruction characteristic parameter.
11. the processing unit of remittance data according to claim 8, which is characterized in that described device further include:
Updating unit is believed for updating the corresponding remittance job state of the money order data according to the remittance control instruction Breath, wherein the remittance control instruction is also used to indicate the job status information of the remittance message.
12. the processing unit of remittance data according to claim 11, which is characterized in that described device further include:
Feedback command receiving unit, for receiving the remittance feedback command from the clearance docking server, the remittance is anti- Feedback instruction is from the Settlement Network Problem by Using server;
The updating unit updates the remittance job status information according to the remittance feedback command.
13. the processing unit of remittance data according to claim 8, which is characterized in that the data verification units include:
Data origin authentication module, for the carry out receipt source legitimate verification to the money order data, the reception Source includes at least one following: the Internet bank, Mobile banking, ATM ATM;
Work data authentication module, for the carry out work data legitimate verification to the money order data, the operation Data include remittance party information and/or remittance amount information.
14. the processing unit of remittance data according to claim 8, which is characterized in that the message generation unit is specific For:
Remittance message is generated with predetermined message model according to described instruction standard parameter and instruction variance parameter, wherein described pre- Determining message model and described instruction difference parameter has corresponding relationship.
15. a kind of processing system of remittance data, which is characterized in that the system comprises clearance docking server and rights It is required that the processing unit of remittance data described in any one of 8 to 14, the clearance docking server include:
Message receiving unit, for receiving the remittance message from the remittance data processing unit and coming from Settlement Network Problem by Using The remittance feedback command of server;
Message retransmission unit, for by received remittance message be forwarded to the Settlement Network Problem by Using server and forwarding from The remittance feedback command of the Settlement Network Problem by Using server is to the remittance data processing unit.
16. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor Machine program, which is characterized in that the processor realizes remittance described in any one of claims 1 to 7 when executing described program The step of data processing method.
17. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program quilt The step of processor realizes remittance data processing method described in any one of claims 1 to 7 when executing.
CN201910680537.XA 2019-07-26 2019-07-26 Processing method, device, system, electronic equipment and the storage medium of remittance data Pending CN110390589A (en)

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CN111161052A (en) * 2019-12-31 2020-05-15 中国银行股份有限公司 Bank operation data processing method and device
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CN114827310A (en) * 2022-04-26 2022-07-29 中国工商银行股份有限公司 Transaction clearing message transmission method and device
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Application publication date: 20191029